Reserve bank of India (RBI)- RBI Monetary policy rate, RBI Function and RBI Rates

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Reserve bank of India (RBI) is the central bank of India. RBI is controlled all of the monetary policy like Repo rate, Reverse Repo Rate, Bank Rate, Cash reserve ratio, Base rate, Statutory Liquidity ratio and Marginal Standing Facility. Reserve bank of India (RBI) is also control flow of money in Indian market.


In below this article we are giving latest update related to RBI Monetary policy rate:

Name of the Monetary policy Changes
1.Bank Rate 8.5%
2.Cash Reserve Ratio (CRR) 4%
3.Statutory Liquidity Ratio (SLR) 21.5%
4.Base Rate
5.Marginal Standing Facility (MSF) 8.5%
6.Repo Rate 7.5%
7.Reverse Repo Rate 6.5%

RBI Monetary police knowledge in Brief:

List of RBI Monetary Policy:

  • Bank Rate
  • Base Rate
  • Repo Rate
  • Cash reserve Ratio
  • Reverse Repo Rate
  • Statutory Liquidity ratio (SLR)
  • Marginal Standing facility (MSF)

1.Bank rate:

What is bank Rate?-

  • Definition of bank rate is at which Reserve bank of India Lends money to other finance institution or other bank.
  • Bank rate is most important tool for Central bank of India, Which reserve bank of India (RBI) uses for Short Term motive.
  • In other way you can also say, any upward revision in bank rate by RBI is indication that common bank is also increase deposit rate as well as base rate.
  • The bank rate can also indicate an increase and decrease in based your EMI.

Are you confusing? Leave it check simple definition of Bank Rate in below:

Bank Rate:

  • Bank Rate is at which Central bank of India (RBI) lends finance to other bank or any financial institution.
  • If any case bank rate increases then long term interest rate also tend to move-up and vice-versa.

2.Base Rate:

What is base Rate?-

  • Base rate at which financial institution, base rate is the minimum rate below which bank cannot lend money to central bank of India, Expect in case permitted by Central bank of India.
  • Bank rate is the Minimum rate of interest that bank is permitted to charge from its customer.

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3.Repo Rate:

What is Repo rate?-

  • The Rate is at which the Central bank of India lends money to financial institution or other commercial bank with securities.
  • Repo Rate is also known as repurchase agreement.
  • Repo rate is basically used by monetary authorities to control inflation.
  • The main Effect of Repo rate increase and decrease, when repo rate goes up borrowing from Central bank become more expensive.
  • So here we can see that in case Increasing repo rate RBI, it more expensive for the bank borrow money and decreases repo rate, its exactly reverse way cheaper for banks to borrow money.

4.Reverse Repo rate:

What is Reverse Repo rate?:

  • Reverse Repo rate is exactly opposite of repo rate
  • Reverse Repo rate is at which the reserve bank of India (RBI) borrows fund from any financial institution or other commercial bank for short time duration.
  • The Commercial bank deposits their short term excess fund with the RBI and also earns it.
  • The main function of Reverse repo rate is used by the RBI to absorb liquidity from the economy.
  • Reverse repo rate is increasing, which it means that bank earn higher rate interest from Central bank.

5. Cash Reserve Ratio:

What is Cash Reserve Ratio?:

  • Cash Reserve Ratio is shortly known as CRR.
  • The Cash Reserve Ratio is defined as a, Bank in India are required to hold certain proportion of their deposits in the form of cash.
  • The simple definition of Cash reserve ratio is the amount of funds bank must keep with the central bank.
  • Example like, Now the CRR is at 4 percent, which means for every 100 rupee, the commercial bank keeps 4 rupee with the central bank in cash.
  • The CRR is indicate the policy stance of the bank and also used as a tools to manage liquidity.

6.Statutory Liquidity ratio (SLR):

What is SLR?:

  • SLR full form is Statutory Liquidity Ratio.
  • The minimum Percentage of deposit that the bank has to maintain in form of gold, cash and other securities.
  • You can say also, the ratio of cash and some other approved securities to liabilities.
  • The SLR is also maintained the credit growth of India.

7.Marginal Standing Facility (MSF):

What is MSF?:

  • MSF Stands for Marginal Standing Facility.
  • MSF is the rate at which Central bank lends money overnight to scheduled banks against approved government securities.

RBI Function download here pdf –RBI Function Pdf

Important point about – Reserve bank of India

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Banking Awareness study material – Reserve bank of India:


Important Point for Reserve bank of India:

  1. What is the name of Central bank of India – Reserve bank of India(RBI)
  2. RBI was established on April 1, 1935 with under RBI act 1934
  3. Reserve bank of India was set up on the recommendation of the Hilton Young Commission.
  4. Total Number of Central bank of India –only one
  5. The Hilton Young Commission agreed its report in 1926.
  6. Reserve bank of India was constructed as with fully paid-up Capital of Rs.5 Cr.
  7. Reserve bank of India was nationalized in year of 1949.
  8. RBI is not Include Commercial bank.
  9.  Headquarter of RBI was at Calcutta now moved in Mumbai after 1937.
  10. There are total 26 regional office of RBI
  11. Sir Osborne Smith was first governor of Reserve bank of India.
  12. CD deshmukh was the first Indian governor of RBI (1943-1949)
  13. Name of the RBI governor which was also prime minister of India – Dr. Manmohan Singh
  14. Name of the first female governor of Reserve bank of India –KJ Udeshi
  15. Reserve bank of India (RBI) is the statuary body.
  16. The RBI governor is also known as Executive head.
  17. The RBI governor is associated by four deputy governor
  18. Reserve bank of India (RB) is also member bank of Asian Clearing Union
  19. RBI is also member of IMF
  20. RBI is solely authority in India which is responsible for creating notes for all domination.
  21. Emblem of RBI-Panther and palm Tree
  22. RBI can print 17 languages in Bank Notes.

Here we are giving List of RBI Governor:

List of RBI Governor –(1934-2013):

Name of the Governor Time period
1.Sir Osborne Smith 1935-1937
2.Sir james Braid Taylor 1937-1943
3.C.D.Dishmukh 1943-1949
4.Sir Benegal Rama Rau 1949-1957
6.H.V.R.Iyengar 1957-1962
7.P.C.Bhattachraya 1962-1967
8.L.K.jha 1967-1970
10.S.Jagannathan 1970-1975
11.N.C.Sein Gupta  
12. K.R.Puri 1975-1977
13.M.Narishman 1977-1982
15.Dr.Manmohan Singh 1982-1985
17.R.N.Malothra 1985-1990
18.S.Venkitaramanan 1990-1992
19.Dr.C.Rangarajan 1992-1997
20. Dr.Bimal jalan 1997-2003
21.Dr.Y.V.reddy 2003-2008
22.Dr.D.Subbarao 2008-2013
23.Dr.Raghuram G.Rajan 2013-till now

List of female Governor of RBI:

Name of the female Deputy governor Time period
K J Udeshi 2003-2005
Shyamala Gopinath 2004-2009 and 2009-2011
Smt Usha Thoart 2005-2010

RBI Recruitment 2015 for 05 Security Guards {Apply Online}

 RBI recruitment 2015 security guards:

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Hello folks, Recently Reserve bank of India (RBI) have been released notification recruitment for security guard. So those candidates are interest in this post apply directly go through official website of RBI apply before last date. Reserve bank of India is India’s central bank. Reserve bank of India (RBI) is issues currency of India, monetary policy, financial institution in India.  We are providing more information related to this post like age limit, educational qualification, selection process, important date and how to apply etc given below.

Name of the organization Reserve bank of India
Post name Security guard
Information about RBI Recruitment 2015 Security guard
Last date 16 February 2015

 About Reserve bank of India (RBI): Reserve bank of India is central bank of county. Many banks are working under Reserve bank of India (RBI).Basically Reserve bank of India control the follow of currency in country, monetary policy, and exchange rate. It’s also called bankers bank. RBI was started in 1 April 1935 under act 1934 at Kolkata but after 1947 shifted Mumbai .Reserve bank of India plays important role development structure of government of India.


Total number of vacancy:

  • 05 Security guards post

Job Location:

  • Punjab
  • Haryana
  • Chandigarh

Age limit:

  • Candidate should be age between 18 to28. Age relaxation only for reserved category applicant

Educational Qualification:

  • Applicant should have to complete 10th class from any govt state board

Important date note down

  • Opening date of online registration 24th January 2015
  • Closing date of online registration – 16th February 2015

Pay scale

  • For security guard post – 6370 to 13750

Selection way:

  • Written test
  • Interview

How to apply for RBI recruitment 2015 Security guard post:

  • Firstly those candidate follow above all of instruction go to official website of RBI
  • Next step Click on “Application form “Bar
  • Then candidate download application form and fill basic details
  • After then applicant send application form given below address

Address of RBI branch:

Reserve bank of India, Central Vista, Sector-17

Chandigarh 160017

Click here to know full details about Post




Hello bankersherald reader, Today we are going to talk about Quantitative aptitude part. All of you know Quantitative aptitude part is very important role of different type of competitive exam like banking sector exam, railways, ssc and other competitive exam.So guys today we are going to discussing about Time, Speed and distance question and basic formulas used in this section. So Bankers herald team are providing many solved and unsolved problem of Time , Speed and Distance.


The major formulae used in TSD:

1.Distance (D)=Speed(S)x Time(T)

2.Speed (S)=Distance(D)/Time(T)

3.Time (T)=Distance (D)/Speed(S)

 Important Point Always Remember:

  1. When distance is given in kilometer (Km), then speed should be used in Km/Hr and time in hours.
  2. When distance is given in meter, then speed should be used in m/sec and time in second
  3. Point number third , if speed is given Km/Hr, then in order to convert it , in m/sec, it is directly multiplied by 5/18

For example, 36Km/hr=36×5/18=10m/sec

4.If speed is given in m/sec, then in order to convert it, in Km/hr its directly multiplied by 18/5

For example, 20 m/sec=20×18/5=36Km/hr

Example 1.Ram moves from A to B travelling a distance of 10 km in 4hr. What is ram’s Speed?

Answer- Distance (D)=10km

                  Total time =4hr

                  Speed= Distance (D)/Time (T)=10Km/4Hr=2.5Km/hr

Example 2.If ram moving at the speed of 2.5 Km/hr travels from Delhi to Agra in 1 day and total time take by ram 10 hr. Find the distance between Delhi to Agra.

Answer-Firstly Check unite

                Then Apply  Distance(D)=Speed x time

                                                         =2.5Km/hr x (1 day+10hr)

                                                         =2.5Km/hr x 34hr


Relationship between Time, Speed and Distance:

1.You can see, speed is directly proportional to distance. So if twice the distance is traveled in same time, speed has become twice.

2.speed is inversely Proportional to time. So if speed x times, time taken to cover same distance will become 1/x times.

3.Distance is directly proportional to time taken , for example time taken at same speed becomes 1/x, it means distance also become 1/x th .

Note-All of point, try to avoid the use of equations. It will help you increase your speed tremendously.

Some  solved question are in below

Example3.Ramesh sees Uma standing at a distance of 200 m from his position .He increase his speed by 50% and hence takes 20s now to reach her.

(a). If he travels at the  original speed , how much time will be taken ?

(b).What was his original speed (in Km/hr)

(c).What is his new speed?


Part(a):Travelling at 1505of his original Speed(3/2)his original speed. Ramesh should take 2/3of the original time, 20s, thus his original time is 30 s.


                          =200/30 m/s=20/3 x 18/5=24 Km/hr

Part(c):His new speed is 50 more =24 x 1.5

                                                             =36 Km/hr.

Relative Speed:

Case 1.If two persons are moving in opposite direction at speed V & v respectively.

The Relative Speed  is given by  Vr=V+v

Case2.It two persons are moving in same direction at speed V & v respectively.

The Relative Speed is given by Vr=|V-v|

Important Point Remember:

  • A man walking at S  km/hr reaches his home t1 minutes late . if we walk V km/hr , he reaches there t2 minutes earlier  then u always remember this formula

Distance(d) = {(S x V/V-S)X (t1+t2)/60 Km}

Ex[4].A man walking at 2 km/hr , reaches his office 6 minutes late. if he walks 3 km/hr , he reaches there 6 minutes earlier . How far is the office from his house?

Answer:  Distance(D) =(3 X 2/3-2) X (6+6)/60

                                        =6 X (12/60)=6/5 Km

Ex[5].Two car cover the same distance at 15 km/hr and 16 km/hr respectively . Find the distance travelled by each , if one take 16 min longer then other. 

Answer: Suppose required distance x km.

                 x/15-x/16 =16/60

            solve the above equation

             we get , 16 x- 15 x  =64

          the required distance =64km

Ex.6 Ram Covers a distance of 12 km in 45 minutes. if he covers half the distance in 2/3rd of the time then , what speed should be maintain to cover the remaining distance in the remaining time ?


Total distance =12 km

  half distance = 6 km

 Total time  =   45mint

 Time taken cover the half distance =45 x 2/3

                                                                  =30 minutes

  Time remaining =45-30 =15 minutes

Ex[7].A person cover a distance of 120 km at 60 Km/hr and next  150 km at 50 Km/hr . What is hi average speed for his whole journey of 270 km ?

Answer: Total time =120/60+150/50


               Total distance =270

               Average speed=270/5

                                          =54 km/hr

Ex[8].A and B are two different cities.Ram travels on car from A to B at a speed of 15 km/hr and returns back at the rate of 10 Km/hr.Find his average speed for the whole journey?

Answer: you can use formula of average speed:

                   Average speed=2 u v/u+v

                  you get

                                   2 x 15×10/25

                             =12 km/hr

Ex[9].Ram travels 2/15 of his  total  journey by car .and 9/20 by cycle and the renaming 10 km on foot . What ihis total journey?

Answer-Suppose total journey is x km

                                  then, 2x/15+9x/20+10 =x

                                  solved above equation we get x=24

                                   total journey is 24